论商业银行个人理财业中银行的法律义务.docVIP

论商业银行个人理财业务中银行的法律义务 （硕士论文摘要） 商业银行个人理财业务是指商业银行为客户提供财务分析、财务规划、投资顾问、资产管理等专业化服务活动。具体而言，就是银行理财专家根据客户的资产状况、预期目标和风险偏好程度，为客户提供专业的个人投资建议，帮助客户合理而科学地安排投资方式，以实现个人资产的保值增值，从而满足客户对投资回报与风险的不同要求。On Legal Obligations of Commercial Banks in Personal Financial Services (Abstract ) Major：Economic Law Direction：Commercial Law Author： Tutor： Personal financial services of commercial banks refer to these professional services such as financial analysis, financial planning, investment advisers, assets management arranged for customers by commercial banks. Specifically, according to customers’ assets, expected goal and the degree of risk appetite, financial experts provide customers with professional personal investment advices and help customers rationally and scientifically arrange their investments to achieve the preserve and increase of the value of personal assets and in turn to meet customers’ different requirements on investment return and risks. Problems appeared in the implementing process of Personal financial services of commercial banks have received great concerns in academic and industrial circles, and some of them are still of more controversy. Theories concerning legal obligations of commercial banks are scattered in some scholars’ authoring languages and some practical authors’ articles, but there is no sound, in-depth, systematic theory, not to mention unifying legislative provisions. All these bring a number of difficult issues in the real practice, and it is the author’s intention to solve this problem in this thesis. The innovation of this paper lies in the systematical analysis of the history of personal financial service carried by commercial banks at home and abroad, the finding of problems appeared in the carryout process of personal financial services of commercial banks and theoretical and legislative lacks of commercial banks’ legal obligations, and the proposed system